VantageScore® The first tri-bureau credit score

Developed by Experian, Equifax, and Transunion

Achieve your financial goals

Knowing your personal credit score before you apply for credit can save you time and money and help you plan for your financial future. Not only do lenders use your score to determine when and if you will receive credit, but your score is also used to determine the borrowing terms of your loan. Understanding and taking control of your financial well-being can help you achieve your financial goals.

What is the VantageScore Credit Score?

VantageScore® is a credit score that was developed by the three national credit reporting companies (CRCs) — Experian, TransUnion and Equifax. There are many different scoring systems with different scales, and a "good" credit score depends on the scoring system used by your particular lender. Unlike other scoring systems, the VantageScorec credit score is the most consistent, using only one model with one set of scoring calculations—this results in scores that are more uniform across all three CRCs.

The VantageScore 3.0 model is used as a risk score, which is a key component that lenders use to determine your creditworthiness.

Credit scores are influenced by several factors:

How Is a Good Credit Score Determined?

Developers of credit scoring models review a set of consumers — often more than one million. The historical credit profiles of these consumers are examined to identify common variables. The developers then build statistical models by selecting the credit variables most predictive of future behavior and assigning appropriate weights to each variable.

The VantageScore credit score is the most consistent, predictive and accurate measure of consumer creditworthiness in the market and utilizes an easy to understand grading scale that takes the mystery out of credit scores for consumers. Consumers can now easily understand their credit score rating and how their credit is evaluated by lenders.